Photo: T.S. Custadio aka ToddC4176 at en.wikipedia · CC BY-SA 3.0Falmouth’s building-damage rate from coastal flooding is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Falmouth gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #235 of 283 in Massachusetts. Most of that expected damage is river and rain flooding (62%), then hurricanes (26%). Flood insurance has paid 510 claims here since 1978.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Falmouth’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Falmouth faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Coastal flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Falmouth’s grade
River and rain flooding is 62% of the building damage FEMA expects in Falmouth, and Falmouth’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Coastal flooding adds 8%, at a rate in the top 3% of U.S. census tracts.
B− #235 of 283 in Massachusetts; lower expected damage per building than 51% of U.S. towns (21,298).
Falmouth’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.
The typical Massachusetts town has lower expected damage than 76% of U.S. towns; within the state, Falmouth has more expected damage per building than 83% of Massachusetts towns.
In dollars, FEMA expects about $12.3M a year in losses across Falmouth: $11.8M to buildings, the rest to people and crops.
Does Falmouth flood? Yes: 510 flood claims since 1978
Every paid claim on a federal flood insurance policy in Falmouth, from FEMA’s records: 22.8 per 1,000 homes, more than 86% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Bob366 claims · $8.6M
- Hurricane Sandy13 claims · $331K
- The December Storm - nor’easter12 claims · $30K
Falmouth isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Barnstable County.11 federal disasters brought FEMA money to Falmouth
Disasters that paid out in Falmouth itself (aid to households or repair grants to the Town of Falmouth), newest first, with that year’s flood claims.
- 2018Severe Winter Storm and Flooding$95K to the Town of Falmouth for repairs11 flood claims paid that year
- 2015Severe Winter Storm, Snowstorm, and Flooding$201K to the Town of Falmouth for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$57K to the Town of Falmouth for repairs1 flood claim paid that year
- 2012Hurricane Sandy$211K to the Town of Falmouth for repairs13 flood claims paid for it, $331K
- 2011Tropical Storm Irene$437K to the Town of Falmouth for repairs1 flood claim paid that year
- 2010Hurricane Earl$25K to the Town of Falmouth for repairs2 flood claims paid that year
Show all 11
- 2007Severe Storms and Inland and Coastal Flooding$15K to the Town of Falmouth for repairs1 flood claim paid that year
- 2005Hurricane Katrina Evacuation$3K to the Town of Falmouth for repairs
- 2005Record And/or Near Record Snow$154K to the Town of Falmouth for repairs
- 2003Snow$47K to the Town of Falmouth for repairs
- 2003Snow$62K to the Town of Falmouth for repairs
Barnstable County has had 18 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Falmouth after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Falmouth archive →Falmouth and its neighbors
Falmouth is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bourne | B+less damage than 68% | river and rain flooding | 396 |
| Falmouth | B−less damage than 51% | river and rain flooding | 510 |
| Mashpee | C+more damage than 56% | river and rain flooding | 46 |
| East Falmouth | — | a Census area inside a town; graded with the town | |
| Woods Hole | — | 988 residents; we grade 1,000+ | |
| Seabrook | — | 530 residents; we grade 1,000+ | |
| North Falmouth | — | a Census area inside a town; graded with the town | |
| Seconsett Island | — | 168 residents; we grade 1,000+ | |
| Teaticket | — | a Census area inside a town; graded with the town | |
| Gosnold | — | 31 residents; we grade 1,000+ | |
| West Falmouth | — | a Census area inside a town; graded with the town | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Falmouth faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Falmouth
Is Falmouth at risk for natural disasters?
On FEMA’s National Risk Index, Falmouth has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #235 of 283 in Massachusetts. Most of the expected damage is river and rain flooding (62%) and hurricanes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Falmouth flood?
Flood insurance has paid 510 claims in Falmouth since 1978, $10.0M in all, or 22.8 per 1,000 homes, more than 86% of U.S. towns with a flood insurance record. 27 properties have flooded more than once. The most claims came from Hurricane Bob (366).
Is Falmouth in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Barnstable County, 40% of homes in mapped flood zones carry federal flood insurance, and 5.4% of all homes do.
How much is flood insurance in Falmouth?
FEMA’s Community Rating System list shows no discount for Falmouth’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Falmouth?
By FEMA money that reached Falmouth, Tropical Storm Irene (2011): $437K to the Town of Falmouth for repairs. By flood claims, Hurricane Bob: 366 paid, $8.6M.
Is Falmouth at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Falmouth’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Falmouth.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Falmouth’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.